Warning, warning, warning, open your calendar now and lock in your insurance reviews!!!
Things have changed in your life. Change is the one big constant in this world. Some change is radical and obvious like loosing a job, or getting a promotion or getting married or having a baby or buying a house or getting a divorce.
Other change can be very covert and kind of creep up on us. Things shift and we don’t really notice. Try fitting into last summers bathers, or check the slow wear on your car tyres or the goals you set last year to stay on track with your life.
Will Rogers wrote, “even if you are on the right track, you’ll get run over if you just sit there.” That is, run over by change if you don’t stay vigilant. Any successful person in their field will confirm that to achieve your goals you need to review them daily so the creeping change that we don’t notice, does not bump you off course.
If something is important to us, we need to make sure we treat it like a priority so that the urgent things in our hectic lives, don’t steal the show. Be vigilant, diarise your priorities and review your goals daily. Protect everything you have worked so hard for and ensure that you have the right insurance to keep you on track.
Be one of the few that work smarter and not harder!
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Posted on November 3, 2014
Are Your Insurances due for a Check-Up?
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December 4, 2020
Dreaming about money? What does it mean?
When you have dreams about money, it can be a bit of an interesting view as to what your subconscious is thinking about when it comes to the topic of money. Your dreams can influence your decisions, so it's a good idea to delve deeper into what you're dreaming. Are you dreaming of winning money or giving money away? Whatever...
November 26, 2020
Do I need Business Expenses Cover?
As a result of all the global economic changes from the COVID pandemic, many have resorted to starting up their own business to generate income. With this global shift, people have figured out new ways to be their own boss, gaining more control of their finances and have found opportunities wherever possible. For some, this has given greater opportunities in...
November 2, 2020
Tenants in Common vs Joint Tenants
What is ‘Tenancy In Common (TIC)’ 1. "Tenancy in common" allows two or more people to be owners in a property. Each owner has the authority to bequeath their share of the property to any chosen beneficiary upon the owner’s death. 2. "Tenancy in common" is different than joint tenancy because the transfer of the property to a beneficiary in...
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October 28, 2020
Are you a slave to money?
From a young age we are taught… GOOD GRADE = GOOD UNIVERSITY = GOOD JOB = GOOD MONEY Teenagers are believing that this is the only route to lead a success. It’s a cycle, churning throughout time – being handed down from generation to generation, merely reciting what they heard from parents and teachers in the early...
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October 26, 2020
How do I save to buy a house after being hit by COVID?
Have you been struggling with the COVID-19 pandemic? Has the global pandemic affected your income adding financial stress not only to your household, but to your overall mental health? The markets took a major hit going up and down but whilst it is now starting to stabilise as we slowly loosen the restrictions, it’s never been better timing to look...
October 22, 2020
Are we teaching our kids how to manage money?
Amanda Cassar (Financial Advisor at Wealth Planning Partners) found when interviewing case studies for her book “Financial Secrets Revealed” that most children haven’t been taught how to manage or the value of money. With the technology changes and advances, can you think back to the last time your children purchased something using cash? Apple and Google Pay and pay later...
September 28, 2020
How to take control of your retirement
Are you affected by the increase in the Age Pension’s qualifying age? Take steps now to avoid getting caught short on retirement income. The minimum age to qualify for the Age Pension has started going up. For those born on or after 1 July 1952, the qualifying age increases by six months every two years until it reaches 67 in...
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September 28, 2020
How do I invest my money?
When deciding how to go about investing your money you need to decide whether you'll: do it yourself, or pay a financial advisor to do it for you Both options have their pros and cons. However, you can - of course, do both. Buy and sell investments yourself The advantage of choosing to invest yourself is that you're in control...
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September 21, 2020
Own, rent or travel – what is your retirement lifestyle preference?
As record numbers of Australians transition into retirement, considering your retirement lifestyle, the cost of living and your expected annual retirement income, is crucial in your retirement planning. For many Australians transitioning into retirement, the increasing cost of housing is a hindrance on people’s ability to pay off their property before they retire, and this may push them into a...
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August 31, 2020
How to manage financial stress and negative effects on your relationship
As a Financial Advisor, we often have clients come to see us without their spouses, for investment or financial planning session. Having problems getting out of debt is our number one challenge with couples, and unfortunately has a severe impact their relationship. It’s not easy to experience the emotional turmoil that financial duress can have on clients, that their fights...
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August 25, 2020
Five tips for looking after your large household’s finances
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August 17, 2020
How to get ahead when you’re in your 40s…
In your 40s? Here’s what you need to consider to financially get ahead... Being in your 40s requires balancing many responsibilities and it can become easy to neglect your own financial wellbeing. However, it’s not too late to secure your future. Here are 5 tips that may help you financially make the most of your 40s. 1 | Create a financial...
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August 10, 2020
Labour says, the younger generation who withdraw superannuation may be $100,000 worse-off in retirement
Opposition steps up attacks on coronavirus support measure that allows people in financial distress to withdraw up to $20,000 Labour has said that Covid-19 economic crisis will greatly affect the younger generation, as it estimates someone who is approximately 25 years old who withdraws $20,000 from superannuation may be left up to $100,000 worse off in retirement. The opposing...
August 3, 2020
Melbourne experiences a hammer blow to Covid-weakened Australian economy due to Stage 4 Lockdown
It is said that the Federal government may need to provide financial aid to sustain 2nd biggest economy to mitigate flow-on effects throughout Australia. With the recent stage 4 lockdown newly enforced announced by the Victorian premier, Daniel Andrews, along with the shutdown of particular industries to be revealed on Monday, is said to have a hammer blow to...
July 27, 2020
We’re in a global recession, why has the share market rallied?
The COVID-19 pandemic led to a global recession unfolding within the space of two months, with share markets collapsing and then staging a strong recovery. Markets have performed strongly even as we remain in the midst of tumultuous recession and a worsening global pandemic. How is this possible? COVID-19 recession & Understanding economic data Two types of data have been...
April 9, 2020
Reduction in account-based pension minimums
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April 6, 2020
What do the Deeming rate cuts mean?
Interest rates have been falling a lot faster and a lot longer than deeming rates for Centrelink and Veterans’ Affairs recipients, making it practically to even earn the current deeming rates from bank accounts.Higher-risk investments (in better markets) may potentially produce higher returns, but these are often not appropriate for people in aged care and can cause undue anxiety in times...
January 28, 2020
Break free from being asset rich and cash poor
Here are four ways to try to boost your income… Are you asset rich but cash poor? Turns out, you’re not alone. Data from the ABS (Australian Bureau of Statistics) shows that almost one-third of older Australians in low-income households were asset rich but cash poor.[1] Most wealth is tied up in illiquid assets, in particular the family home. But you...
January 13, 2020
Do you have more than one super account?
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November 6, 2019
Want to break free from being asset rich and cash poor?
Here's 4 ways to boost your income... Are you asset rich but cash poor? Turns out, you’re not alone. Data from the ABS (Australian Bureau of Statistics) shows almost one-third of older Australians in low-income households were asset rich but cash poor.[1] Most of their wealth was tied up in illiquid assets, in particular the family home. But, there's no need...
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